What does a typical homeowners policy cover?

An insurance representative can help you determine the homeowner’s coverage that best fits your needs and budget, but a typical policy can cover: The structure...

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What is homeowner’s insurance and why do I need it?

Homeowners insurance can protect you from the unexpected. If your home is damaged, your belongings are stolen or someone gets injured on your property, it...

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What is bodily injury liability coverage and how much do I need?

Bodily injury liability insurance typically covers the costs associated with covered injuries you may have caused to other people in an accident that you caused...

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What is a policy limit of liability and how does it affect my car insurance premium?

Your car insurance liability coverage limits, also referred to as limit of liability, are the most your insurance will pay to another party if you...

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What is a deductible, and how does it affect my car insurance premium?

Your car insurance deductible is the amount you’ll be responsible for paying towards the costs due to a loss before your insurance coverage pays. The...

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Can I get a discount if I have more than one policy with the Jason Herman Insurance Agency?

Typically, you can save money when you have multiple policies with the same carrier. Ask one of our agents about a multi-policy discount.

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What can I do to lower my car insurance premium?

Your premium partly depends on the coverages, deductibles, and policy limits you choose. Here are a few ways to help you identify and keep the...

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Do I qualify for any available discounts?

Where available, you may qualify for savings with safe driver, multi-policy insurance bundles, multi-car, usage-based, and good student discounts, to name a few. Additional discounts...

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What is umbrella insurance, and how does it apply to my car policy?

Umbrella insurance (also known as excess coverage) provides additional liability coverage that can help protect your assets. It can also help cover defense costs, attorney...

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How and when can I change car insurance coverage and/or limits on my current policy?

Typically, our clients can update their coverage option and policies limits anytime by speaking to one of our agents. Please note that making changes to...

Read more: What does a typical homeowners policy cover?